Fingers crossed for a good outcome for you, George. It would be nice to see the project through if possible so you can enjoy your Thorn racks and a rear disc as you'd like.
May I ask why you chose to go with a rear disc instead of v-brakes for the dirt-road tours? Was it to ensure good braking in possibly wet, muddy conditions? Or to match the one on the sus-fork?
I'm thinking if worse comes to worst, you could always revert to the v-brake at the rear and perhaps fit Kool-Stop salmon brake pads, or Swiss-Stops if you have CSS rims, keeping the sus-fork and disc up front.
Best,
Dan.